How to tell hubs!

Just found out im expecting our second child (son will be 3 in 2 weeks) im super happy, but he says he isnt ready yet. My insurance was cancelled and I couldnt afford my BC i told him this but we still werent careful. Im scared he will think i did it on purpose, when i really would never do something like that and always wanted to wait till we both agreed we were ready! Should I do something cute to kinda cushion the news or just tell him straight?!?! I know he will be happy, i just fear he will be disapointed with the timing..